Pays Wallet

Send money across borders, deposit or withdraw by bank transfer, exchange supported currencies, and spend with a virtual Visa card.

Pays Wallet is a modern money app for people who move between currencies, countries, and everyday spending. Send money to contacts, receive funds quickly, deposit by bank transfer, withdraw to your bank, exchange supported currencies, and spend with a virtual Visa card.

Built for cross-border money movement

• Send to saved contacts or email addresses
• Receive funds with a QR code or payment address
• Deposit GBP, USD, and EUR by supported bank transfer rails
• Withdraw to supported bank accounts
• Exchange supported currencies with clear quotes before you confirm
• Track deposits, withdrawals, exchanges, transfers, card top-ups, and purchases in one activity feed

Spend online and in-store

• Create and manage virtual Visa cards
• Top up your card from your Pays balance
• Track card payments as they happen
• Manage up to 5 virtual cards
• Complete identity verification for card access

Designed for everyday finance

• Secure sign-in with email, Apple, or Google
• Face ID and passkey authentication
• In-app support chat when you need help
• Light and dark mode

Services, currencies, and card availability may vary by country and verification status.